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Your Retirement

Get Your 401k and IRA on Track and Arrive at Retirement on Time: 6 Key Points

Get Your 401k and IRA on Track and Arrive at Retirement on Time: 6 Key Points

Written By: Jeffrey Kiesel in Chester Springs, PA Remind yourself verbally, especially when you are listening to the business reports with all of their expert opinions about what will happen in the next quarter or next year: “There is absolutely nobody who knows what’s going to happen in the future. Not next week, month, year or decade. If they did, why didn’t they avoid the latest economic debacle or market disaster? Or why didn’t they retire on all the money they would have made?” Later...

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Hold Off On Your Retirement

Hold Off On Your Retirement

Written By: Jeffrey Kiesel | Solid Rock Retirement Before you do anything else to plan for your retirement, do yourself a favor and read the “Gathering List” below. When you have read and done all of the items on this list you will be ready to make your preliminary retirement plan. Once you have done that, you should make an appointment to speak with a financial retirement specialist or advisor. You want that person to have a working knowledge of all or most of these...

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Do Americans Really Understand Their 401(k)s?

Do Americans Really Understand Their 401(k)s?

Written By: Nina Avery, CFP® | Avery Safe Money Solutions “Today’s Rude Opinion Poll: Which description best characterizes our elected representatives in Washington, regardless of party affiliation?  They are hapless boobs, constantly passing laws that contradict each other.  They are scheming miscreants, relentlessly seeking new ways to increase taxes and spend more of our money.” Scott Burns opines in his 2007 article “In 401(k), Employers Really Contribute to the IRS” featured in The Dallas Morning News. He goes on in his article to point out...

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Does Your Nest Egg Contain Sticks of Dynamite?

Does Your Nest Egg Contain Sticks of Dynamite?

Written By: Allen Trimble | Secure Money Solutions For years, many investors have held bond funds as a way to buffer their portfolio from the volatility of the stock market. Ironically, bond funds have provided more of the returns than stock funds, in many portfolios, over the last 12 or 13 years. Now we may be approaching a point where your portfolio needs a buffer from both stock and bond funds! What many folks don’t realize is that we have been in a bull market...

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“Annuities: A Tale of Two Retirements” is Launched by Annuity Think Tank

“Annuities: A Tale of Two Retirements” is Launched by Annuity Think Tank

Annuity Think Tank, an independent educational group focused on annuities and retirement income, has launched a lighthearted yet educational article highlighting the importance of performing due diligence before making a final decision on a specific annuity type. As we all know, there will never be a single one-size-fits-all retirement planning tool that is a perfect fit for everyone.  Each individual has unique needs and risk tolerances that should be specifically addressed, and education is the key to unlocking optimal retirement plans.  Fully embracing this belief,...

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Why You Need To Crush Your Debt To Secure Your Retirement

Why You Need To Crush Your Debt To Secure Your Retirement

Written By: Nina Avery, CFP ® | Avery Safe Money Solutions Einstein called compounding interest the eighth wonder of the world – if you are earning it.  If you are paying it, it can quickly become a nightmare. Heard of the rule of 72?  It is a basic calculation that lets you know approximately how long it will take to double your principal based on the interest rate being applied.  If you are earning – it’s AWESOME.  If you are paying – it’s SCARY. Let’s...

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Retirement Benefit Checklist

Retirement Benefit Checklist

Written By: Marvin Hurwitz | Retirement Benefits Specialist in Baltimore, MD If you are retired or planning for retirement, you should consider some basic benefit plans to make sure you enjoy your retirement years and fulfill your retirement dreams. While building a nice nest egg during your working years is vital, it’s also important that you prepare for the both the certainties and the “what ifs” in your life when your employment income ceases. You may be able to count on your Social Security payments,...

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A Taxing Choice: How to Save for Retirement

A Taxing Choice: How to Save for Retirement

By Joseph Carter Gray, CLU® | Pacific Insurance Group, Inc It’s been said the only certainties in life are death and taxes, to which Will Rogers famously quipped that, “death doesn’t get worse every time Congress meets.” Life is full of surprises but your retirement should not be one of them.  Do you think that taxes will be higher or lower in the future? Tax diversification can help counter the ever-changing tax environment and provide flexibility in retirement. Tax diversification refers to placing your money...

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Scientists Claim 72 Is the New 30…Who is Financially Prepared for That?

Scientists Claim 72 Is the New 30…Who is Financially Prepared for That?

Written By: Alan Schuh | Heritage Retirement Income Planners Recently an article came out stating that 72 is the new 30 (click here for the article). Excerpt: “Human longevity has improved so rapidly over the past century that 72 is the new 30, scientists say.  Researchers at the Max Planck Institute for Demographic Research in Rostock, Germany, said progress in lowering the odds of death at all ages has been so rapid since 1900 that life expectancy has risen faster than it did in the...

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Life’s Example Of How Retirement Income Is Done

Life’s Example Of How Retirement Income Is Done

From the desk of Wayne N. Schwartz, RFC             Relevance age 30-52 Think of it this way: The money you put away today (this year) for retirement tomorrow (30 years away) will be used one time in the future. EXAMPLE If you are 35 years old and save $500 per month ($6,000 per year), this money has a probability of growing to $48,000 * in 30 years which will then be used for ONE YEAR OF RETIREMENT INCOME.  One year of savings is needed for one...

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